Latefee Avoidance
Complain about an Excessive Fee
Mail Your Top 3 ComplaintFull Text Search of Complaints
Analysis Label for Credit-Card Envelope
A Brief History of Credit Cards in the U.S
The Economics of Late Fees and Other Excessive Charges
The U.S. Bank/Credit Card Oligopoly - 3 Co's with 65% Market Share
Things You Can Do to Avoid Paying Late Fees and Other PenaltiesText of Relevant Statutes
The following statutes (and the 49-state counterparts to the New York statutes) regulating late fees, interest charges, cash-advance transaction fees and similar fees and charges for credit transactions are:
- Federal Trade Commission Act, Section 5 - Text Federal Trade Commission Act including Section 5 [see 45]
- The Class Action Fairness Act of 2005 - Detailed Analysis by Greenberg Traurig LLP of the Class Action Fairness Act of 2005
- New York General Business Law Section 349 prohibiting fraud and deception in business - New York General Business Law Section 349 Prohibiting Consumer Fraud and Deception
- New York General Business Law Section 350 - New York General Business Law Section 350 Prohibiting False and Deceptive Advertising
- Laws in 50 States Regulating Usury 6/24/03 Email Correspondence Entitled "Looking for 50-States Usury/Interest Rates Chart" - Identifies Places Where 50-State Rules and Statutes May Be Found
- Discussion of Numerous Federal Statutes Concerning Fees Charged by Federally-Regulated Financial Institutions Contained in Petition for Certiorari to U.S. Supreme Court - Household Credit Services and MBNA America Bank v. Pfennig, Petition for Certiorari
- May, 2005 FDIC Public Hearing on Preemption Issue